You did the job. They short the bill.
It doesn't take a bad job to get shorted — it takes a thin file. Adjusters don't fight your work; they fight your paperwork, and their whole job is to find a hole and subtract.
One line that isn't itemized. One charge with no proof attached. One tow with no authorization on record. That's the line they deny — and a few denied lines is the difference between getting paid in full and eating five figures.
Button up every line before the adjuster comes looking and there's nothing to grab. Leave one corner loose and they tear the whole bill apart.
Here's the annoying work. Here's how we take it off your desk.
What lands on the adjuster's desk
SAMPLE PACKETHonest mockup — illustrative line only. No real customer data, no carrier names, no promised dollar outcome.
Lawyer takes a third. We do not.
Say a multi-day storage and winch-out bill comes in around $47K and the carrier pays $18K. Hand that fight to a lawyer and the contingency runs 25–40% — roughly $7K–$12K out of your pocket if you win, plus months of waiting. Tow Defender does the document work that fight rests on for $249 flat.
Figures are illustrative — we don't promise a number; we build the strongest case for the rate you already billed.
- ✓ $249 flat per packet
- ✓ No subscription — pay per packet
- ✓ No percentage of what you recover
We worked the side that cuts your bill.
Most tow-billing help is built by people who ran the wrecker. We're not that. We came up on the insurance claims side — first-notice-of-loss intake and processing, the machine that decides what a carrier “owes.”
We watched how adjusters pick a heavy-recovery invoice apart: which line they grab first, what makes “no authorization” stick, what makes a charge read as approvable instead of disputed. We're not towers and we won't pretend to be — that's not the edge. The edge is that we know the side that shorts you, so we build the packet to survive their audit.
We don't set your rates, file your claim, or chase how carriers split the bill between themselves — that's not our lane. We document, chase the evidence, and assemble the carrier-ready packet for the rate you already billed.
What do you need from me?+
The wreck, basically — scene photos, your invoice, the carrier's short-pay letter, and who ordered the tow. We text your crew for the photos so you're not chasing camera rolls, pull the police report, and email the storage facility for the notice records. You hand off the mess; we build the file.
How is this different from hiring a lawyer?+
A lawyer takes 25–40% of whatever you recover, plus months of waiting. Tow Defender does the document work a strong dispute rests on — every line tagged to its carrier and its proof, the authorization captured up front — for $249 flat. For a clean short-pay, it's the file that makes the cut hard to defend. For a fight headed to court, it's the file your lawyer would've billed you hours to build.
How fast do I get the packet back?+
Fast — that's the point. A short-paid bill loses leverage the longer it sits: the storage clock runs, the truck has to be released, the adjuster moves on. We turn your packet around in days, not the months a lawsuit drags on — so you're back in front of the adjuster while the bill's still fresh and the pressure's on your side.
Do I send it to the insurer, or do you?+
You do — it's your bill and your relationship with the carrier. We build the packet and hand it back ready to send, split out per adjuster and claim number, so you (or whoever runs your billing) just fire it off. You stay in control of the bill; we do the grunt work behind it.
What kind of bills does this work for?+
Heavy-recovery and commercial tows where the carrier short-pays you — rotator recoveries, tractor-trailer rollovers, non-consent tows, multi-carrier wrecks, motor-club lowballs. If an adjuster cut your invoice and there's real money on the table, that's the lane. Light-duty consumer tows aren't what this is built for.